Credit Analyst

Overview

Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.

• Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries, and analyzes financial performance and risk profiles of clients within the portfolio.
• Supports credit‑granting decisions by making recommendations to manager.
• Supports negotiation of loan terms and conditions and structuring of loans that align with client requirements and ensure compliance with the bank’s risk appetite and policies.
• Supports portfolio monitoring and compliance, analyzes metrics, and assesses industry trends to spot risks and opportunities.
• Develops proposals to capture new business and expand client relationships.
• Monitors loan performance, accuracy and integrity of loan documentation and addresses credit‑related issues while ensuring accuracy and integrity of loan documentation.
• Builds and maintains client relationships to ensure long‑term financial performance in collaboration with Relationship Manager and business partners.
• Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies.
• Conducts financial analysis and risk assessments of clients’ credit information for an assigned portfolio to provide insights and make informed decisions.
• Monitors the portfolio performance for an assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
• Minimizes BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded; escalates issues when needed.
• Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.
• Identifies revenue and cross‑selling opportunities to enhance portfolio growth.
• Identifies share of wallet opportunities.
• Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
• Manages timely and accurate data entry into BMO's systems and leverages the data to support decision‑making.
• Focus may be on a business/group.
• Thinks creatively and proposes new solutions.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works mostly independently.
• Broader work or accountabilities may be assigned as needed.

• Preferred 1 – 3 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• If a Credit Qualifiable job, credit qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• Bachelor’s degree required;
  Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
• Specialized knowledge from education and/or business experience.

• Problem Solving
• Collaboration
• Detail‑Oriented
• Customer Service
• Analytical Thinking
• Financial Analysis
• Loan Structuring
• Data Analysis Tools
• Regulatory Compliance
• Portfolio Management
• Credit Risk Assessment
• Banking Operations
• Microsoft Office

$54,000.00 - $99,600.00

BMO offers health insurance, tuition reimbursement, accident and life insurance, retirement savings plans, and more. For complete details, visit:
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BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e‑mail to  and let us know the nature of your request and your contact information.

BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO will be considered BMO property.